Studies have shown the citizens in the United States are often victims of errors or unfair negative items on their credit reports which can bring down their credit score drastically. Having a low credit score is completely undesirable as it reduces the chances of getting loans of any kind. And if this is caused by some errors or unfair practices, you have the right to get it fixed so as to keep a good credit score. Most of the time, it is up to the consumers to make the credit bureaus aware of their mistakes. This could often turn out to be a time-consuming process as there is a lot of nitty-gritty involved that needs keen observation and is best handled by credit repair lawyers.
What will a credit repair lawyer do for you?
A credit repair lawyer is knowledgeable with all the laws related to credit and can help you repair your credit faster in case it has been wrongly harmed.
- The credit repair lawyers review the credit reports to find possible errors and make sure that nothing is wrong.
- They can file credit disputes with the credit bureaus in case of discrepancies.
- They communicate with the credit providers on your behalf and do the necessary formalities.
- They can settle debt disputes with collection companies without harassment.
- They can represent you in a court of law and defend you.
- They can give you valuable advice to improve your credit score.
The credit repair lawyers generally start by reviewing your credit reports to find any sort of misreported information or errors. After this, a credit repair lawyer will contact the relevant entities involved to correct or remove any misreported or wrong information that is lowering your credit score. With a low credit score, you won’t be able to get loans which can turn out to be a major problem for a lot of individuals.
Credit-Related Laws that protect consumers:
There are quite a few laws that protect consumers from harassment and unjust treatment and also maintain a healthy credit score.
- Fair Credit Billing Act: The Act protects consumers from unfair credit billing and allows them to dispute inaccurate charges.
- Fair Credit Reporting Act: This act gives the citizens the rights to access their credit reports and challenge discrepancies and errors if any.
- Fair Debt Collection Practices Act: The FDCPA sets the guidelines about how debt collection agencies can deal with or collect the debts without using illegal practices and harassment.
- Credit Repair Organizations Act: The act protects consumers from deceptive advertising practices from different credit repair organizations.
How to hire the right Credit Lawyer?
There can be scams as well when it comes to credit repair lawyers. It is best to do research and look into the legitimacy of an organization before hiring their services. You can check their records to the state bar association to make sure that they are genuine and won’t scam you. You can always check sites like the Better Business Bureau and the American Bar Association to check how the lawyers or the organization is before you decide to choose them.
Get a credit lawyer now and improve your credit score!
You can fix your credit score yourself as well and there is no hard and fast rule that you need to hire a lawyer. But if you are doing it on your own, it will most probably take up a lot of time and there can be chances of mistakes as well. In such cases, it is in your best interest to hire a trusted credit repair lawyer from a form like Legal Rights Advocates, PLLC, who are professionals and will be able to carry off the task in a lot smoother way and without errors.
So, if you feel that your credit score has been affected negatively due to mistakes and errors, don’t hesitate to get in touch with us and hire trusted and reliable credit repair lawyers.
- “My credit score was negatively affected due to some mistakes made by a credit provider and it was becoming difficult to get any loans until the attorneys at Legal Rights Advocates, PLLC helped me out.” – Bryan Paul
- “Thankful to the experts, for restoring my credit score to normal after suffering from a negative credit score for some time.” – Henry Russo
(855) 254-7841
(855) 254-7841
